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August 8, 2025 40 mins

In this episode of Healthy Team, Healthy Business, we speak with Michael Scarpati, co-founder of RetireUS, to talk about the dirty truth behind the financial services industry — and what you can do about it.

✅ Learn how 95% of financial advisors aren't legally required to act in your best interest.
✅ Discover the new subscription-based model bringing fiduciary guidance to small investors.
✅ Why having a 401(k) or brokerage account doesn’t mean you're financially healthy.
✅ The #1 blind spot most people have about retirement (and how to fix it now).
✅ The surprising connection between financial wellness and physical health.

If you've ever felt confused, skeptical, or underserved by traditional financial advisors, this conversation will completely reframe how you think about money, risk, and your future.

🔑 Key Topics Covered

  • The hidden flaw in most financial advice models
  • What it really means to work with a fiduciary
  • How to set meaningful financial goals
  • The “financial red flags” most people don’t know they have
  • Why protecting your money is more important than chasing growth

Mike Scarpati is a financial strategist, educator, and co-founder of RetireUS — a tech-enabled platform that gives everyday Americans affordable access to fiduciary financial planners without asset minimums.

🌐 Learn more: https://retire.us

📣 Connect With Us

  • Instagram: @healthyteamhealthybiz
  • LinkedIn: Josh Phelps | Healthy Team, Healthy Business Podcast


financial wellness, fiduciary advisor, retireUS, financial health, personal finance advice, how to plan for retirement, independent financial advice, financial literacy, financial planning podcast, money mindset, healthy team podcast

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EMAIL: teamdudes@healthyteamhealthybusiness.net

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